FIRST INTERNET BANK

Role Description As the SBA Special Assets Manager, you will play a key role in the monitoring and resolution of distressed, impaired, and otherwise adversely rated credits on behalf of the SBA Division. You will supervise the ongoing handling, monitoring, and resolution of delinquent, non-performing, or otherwise adversely classified SBA loans within the First Internet Bank portfolio. - Provide proactive oversight and timely resolution of a portfolio of adversely rated SBA, commercial, and other distressed assets. - Lead a team of Special Asset Officers in the negotiation, structure, and implementation of loan level workout agreements in support of the rehabilitation or exit of distressed credits. - Underwrite, approve, and drive workout and recovery initiatives on a per loan and general portfolio basis in conjunction and as directed by management. - Prepare and provide a comprehensive risk analysis in a weekly, monthly, and quarterly reporting format for senior management in support of regulatory and strategic institutional goals. - Lead communications and correspondence with key SBA Servicing Centers, District Counsel, and Oversight in support of the proper request and receipt of the SBA guarantee. - Drive the engagement and relationship for key third party consultants, including but not limited to Attorney firms, Appraisal and Auctioneer companies, Environmental review firms, Receivers, etc. - Assist in the oversight/advisement of the Portfolio Management team in the identification, monitoring, and eventual transfer of distressed credits into the workout department. - Lead and direct any field operation requirements to include, but not limited to business site visits, collateral auction or disposition oversight, mustering of collateral, court and other litigation requirements, or any other external litigation or liquidation activities on behalf of the bank. - Work in conjunction with the VP, SBA Servicing on any reporting or strategic initiatives with internal partners such as internal Finance and Credit Administration, to ensure the proper reporting, grading, and recording of any reserve or write down requirements throughout the individual loan workout phase. - Assist the VP-SBA Servicing in the strategic implementation of division, department, and larger bank initiatives. - Perform other duties as assigned. Qualifications - A minimum of ten years of experience in Workout or similar Portfolio Management roles. - A minimum of seven years of direct experience working with SBA specific documentation, to include Demand Purchase Packages, Litigation/Liquidation Plans, CPC, and Wrap Up Reports. - Advanced knowledge of commercial/residential real estate closing and liquidation practices. - Advanced knowledge of UCC regulations and other disposition practices. - Advanced knowledge of regulatory and accounting practices, as it relates to risk and adversely rated credits. - Ability to manage a high volume/high pace environment with various intervening and competing goals. - Strong analytical and quantitative skills. - Ability to think strategically and make data driven decisions. - Excellent leadership, communication, and interpersonal skills. Requirements - Professional office setting. - Primarily sedentary position requiring long periods of time working at a computer. - Must be able to move throughout the office and buildings to obtain or relay information. - Must be able to perform the essential functions of the position with or without reasonable accommodation. - May require occasional travel in order to administrate liquidation related activities. Benefits - Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment. - 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment. - Professional Development Reimbursement. - At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date. - Eleven Paid Holidays. - Paid Volunteer Time. - Annual First Internet Bank-branded merchandise allowance.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description As the SBA Loan Closer III – Team Lead you will be responsible for supervising a group of SBA Loan Closers and ensuring accurate and timely review of SBA loan transactions, ensuring all items needed for closing are obtained, and all collateral is perfected appropriately. Your duties will include coordinating with the SBA lenders, Credit Administration, Loan Operations, Bank Counsel and Customers on loan closing transactions. You will remain current on SBA SOP regulations, compliance with all Bank policies and procedures, and all applicable state and federal banking regulations. - Provide oversight and supervision to a team of SBA Loan Closers - Coach and train staff and provide career development and learning opportunities - Assign loans to Closers via the nCino system upon approval - Manage a workload that includes multi-tasking and the ability to prioritize any conflicting issues - Interact with underwriters, referral partners, borrowers, attorneys, and other 3rd party vendors as needed to ensure all conditions are met for closing - Review title commitments, title searches, other real estate related documents, entity documentation and legal documents of borrowers and ensures all Bank and SBA requirements have been met - Request and review all loan documentation from Bank Counsel for various types of loans including, but not limited to, SBA 7(a), Express Line of Credit and potential SBA 504 - Assist Post-Closing department, when necessary, clearing any exceptions within the approved time periods - Remain current on all pending and proposed regulatory changes affecting compliance and SOP with SBA - Provide a high level of customer service to both internal and external customers - Run various reports to track weekly production as well as Closer’s pipeline - Recommend changes to processes and increased efficiencies to management - Perform other duties as assigned Qualifications - A minimum of five years of SBA loan closing experience in a high-volume environment; in the absence of five years of SBA loan closing experience, a minimum of two years of SBA loan closing experience combined with at least six years of prior loan closing experience in mortgage or commercial lending. - Associates degree or Paralegal Certificate required, Bachelor’s degree preferred. Relevant and commensurate work and experience in the SBA Lending industry will also be considered. - Prior experience leading or managing a team is preferred - Subject Matter Expert of Loan Closing processes and required documentation - Ability to mentor and train junior staff - Knowledge of various legal entity borrowing and deal structures - Knowledge of Flood Insurance Compliance and required documentation - Excellent written and verbal communication skills - Interpersonal skills to interact positively and effectively with all levels of employees, management, and third parties - Possess excellent multi-tasking skills - Ability to think outside the box to ensure proper due diligence is performed - Capability of working effectively under limited supervision in a fast-paced environment - Ability to identify issues and opportunities and explore solutions - Ability to meet strict timelines and service level agreements - Strong PC skills required along with an ability to quickly learn new systems Working Conditions/Demands - Professional office setting. - Primarily sedentary position requiring long periods of time working at a computer. - Must be able to move throughout the office and buildings to obtain or relay information. - Must be able to perform the essential functions of the position with or without reasonable accommodation. Benefits - Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment - 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment - Professional Development Reimbursement - At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date - Eleven Paid Holidays - Paid Volunteer Time - Annual First Internet Bank-branded merchandise allowance

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description As a Business Development Officer (BDO), you will generate business leads and develop contacts to build profitable Small Business Administration (SBA) loan financing for customers. You will develop relationships and consult with customers to best understand their business financial goals and needs. In this role you will promote the bank’s product and services via networking, affinity groups, cold calling, etc. - Execute strategies in order to sell Government Guaranteed Loans and other banking products/services - Analyze economic trends for industries, business and franchise for target marketing - Structure financing proposals and negotiate terms and conditions - Network with referrals, brokers, etc. for sourcing deals - Obtain appropriate information for initial credit underwriting Qualifications - A minimum of three years of proven commercial and small business relationship experience - Bachelor’s degree or equivalent work experience - In order to function as a Senior Business Development officer, a BDO must have had $15,000,000 in production volume from the year prior Requirements - Professional office setting - Primarily sedentary position requiring long periods of time working at a computer - Must be able to move throughout the office and buildings to obtain or relay information - Must be able to perform the essential functions of the position with or without reasonable accommodation Benefits - Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment - 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment - Professional Development Reimbursement - At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date - Eleven Paid Holidays - Paid Volunteer Time - Annual First Internet Bank-branded merchandise allowance

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description As the Commercial Special Assets Officer, you will be responsible for the active management, resolution, and risk mitigation of the Bank’s criticized, classified, and non-performing commercial loan relationships. Your role will work closely with commercial lenders, credit administration, legal counsel, and borrowers to develop and execute strategies that minimize loss, preserve collateral value, and maximize recovery. - Manage a portfolio of criticized, classified, and non-performing commercial loan relationships, including substandard, doubtful, and loss-rated credits. - Develop, negotiate, and execute workout strategies such as restructures, modifications, forbearance agreements, and repayment plans. - Lead direct negotiations with financially distressed borrowers, guarantors, and outside lending partners to achieve optimal outcomes for the Bank. - Coordinate with external and internal legal counsel on enforcement actions, collateral liquidation, foreclosures, bankruptcies, and other legal remedies. - Evaluate collateral positions, guarantor strength, cash flow, and exit strategies to support resolution decisions. - Recommend charge-offs, reserves, risk rating changes, and other credit actions in accordance with Bank policy and regulatory guidance. - Partner with commercial lenders and credit administration to transition credits into and out of Special Assets as appropriate. - Prepare monthly problem loan status reports to provide updates to management. - Ensure accurate risk grading, timely documentation, and compliance with regulatory and internal reporting requirements. - Participate in regulatory examinations, audits, and internal reviews related to special assets and problem loans, as needed. - Provide guidance and mentorship to lenders and credit staff on early problem loan identification and remediation strategies. Qualifications - A minimum of five years in commercial credit, with an emphasis on special assets, loan workouts, or problem loan management. - A bachelor’s degree in accounting/finance or related field preferred; equivalent relevant work experience will be considered. - Demonstrated experience managing loan workouts, restructurings, and default situations. - Strong understanding of commercial loan documentation, collateral structures, guarantor support, and enforcement remedies. - Proven ability to assess financial statements, cash flow, collateral values, and recovery prospects. - Excellent negotiation, communication, and interpersonal skills, with the ability to work effectively with borrowers, attorneys, and internal stakeholders. - Working knowledge of banking regulations, credit policy, and regulatory expectations related to criticized and classified assets. - Sound judgment and ability to make difficult credit decisions under pressure while protecting the Bank’s interests. Requirements - Professional office setting. - Primarily sedentary position requiring long periods of time working at a computer. - Must be able to move throughout the office and buildings to obtain or relay information. - Must be able to perform the essential functions of the position with or without reasonable accommodation. Benefits - Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment. - 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment. - Professional Development Reimbursement. - At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date. - Eleven Paid Holidays. - Paid Volunteer Time. - Annual First Internet Bank-branded merchandise allowance.